Rehab Centers That Accept Community Health Options Insurance

Community Health Options is a Maine-based CO-OP health insurer. It offers plans on and off the ACA Marketplace and provides coverage to individuals, families, and employers within Maine, offering access to over 48,000 providers.

Community Health Options offers addiction treatment for drugs and alcohol as part of most of its plans. However, Community Health Options’ rehab coverage can vary significantly depending on the type and level of the insurance plan.

Patients seeking drug or alcohol rehab through Community Health Options should verify their insurance benefits to find the best available treatment for their plan and budget.

Getting help can be easy. Simply contact member services, or contact RehabNet for assistance finding rehab centers and treatment services that accept Community Health Options Insurance.

Community Health Options offers mental health benefits, including treatment for substance use disorder, through its Healthcare Marketplace and non-Marketplace plans. Members can access medically supervised detox programs, inpatient rehab, and outpatient rehab through Community Health Options.

When the Mental Health Parity and Addiction Equity Act (MHPAEA) was passed in 2008, it significantly affected the accessibility and affordability of rehab coverage. MHPAEA states that insurers are required to make mental health and substance use disorder benefits as accessible as medical and surgical benefits.

In practical terms, MHPAEA prevents insurers from imposing higher copays, deductibles, or out-of-pocket maximums on mental healthcare or addiction treatment. It limits their ability to place caps on the number of covered inpatient days or outpatient visits patients need for effective treatment.

When the Affordable Care Act (ACA) was passed shortly after, it expanded protection and eligibility further by giving individuals access to low-cost plans through the Marketplace. All Marketplace plans give policyholders access to mental health and addiction treatment.

However, although these acts guarantee members equal access to mental and physical healthcare, costs and benefits still vary depending on the plan type. Some policyholders may be subject to deductibles, co-pays, coinsurance, or may require preauthorization to access some care.

You can verify your Community Health Options drug rehab coverage by contacting member services. If you have a preferred treatment center, you can also speak directly with their billing department for confirmation of out-of-pocket costs.

For help finding an eligible rehab facility, contact RehabNet’s free helpline to find trusted, quality care.

One of the most critical aspects of seeking addiction care is finding out what types of treatment your insurance offers. Seeking substance abuse treatment without the help of insurance benefits can be financially ruinous, particularly for those already struggling.

Community Health Options is required by law to provide mental health and substance abuse treatment options to members, and their plans cover a wide variety of treatment options. Struggles with addiction are deeply personal, and what works for one patient may be counterproductive for another.

Members should work with professionals to create and follow a treatment plan that meets their needs for support as they pursue recovery.

When fighting addiction, the first step is to seek help. The second step is detox. During the detox stage, the body works to purge itself of harmful but addictive substances. Many people experience painful or even life-threatening symptoms when detoxing.

Having the assistance of a medical professional during this stage is enormously beneficial, as they can monitor patient health and ease suffering. Doctors may administer medication or provide supervision to prevent early relapse.

Community Health Options’ detox coverage provides members with medically supervised detox options. The degree to which these services are covered depends on the type and structure of your plan. Some members may need to meet a deductible, provide a copayment, or pay coinsurance to access this service.

One of the most popular forms of post-detox treatment is inpatient rehabilitation. Inpatient residential treatment allows patients abundant time, space, and recovery support. The goal is to provide patients with a stress-free environment removed from daily concerns and temptations that could hamper progress.

Some patients prefer this option, finding it peaceful and benefitting from the 24/7 access to care and support. Others may struggle with feelings of isolation or rebel against the rigid structure. Inpatient rehab with Community Health Options may not be fully covered, even under their platinum plans. However, members seeking these services can speak to a care manager to learn additional specifics.

Very few people begin their journey with outpatient treatment. However, the National Institute on Alcohol Abuse and Alcoholism (NIAAA) suggests that a patient’s care plan should be based on their circumstances, with appropriate consideration given to disruptions to work and home life.

Community Health Options’ outpatient addiction treatment consists of a range of options meant to be used in a step-down manner, with patients having access to more frequent support and supervision in the early stages of treatment.

Patients requiring greater supervision and support may benefit from partial hospitalization programs (PHP). At the same time, those ready for more independence may be best served by an intensive outpatient program (IOP) or a more general outpatient program.

The cost of outpatient care varies widely depending on your plan type and whether your preferred program is in or out of network.

MAT is commonly used to treat those struggling with opioid and alcohol addiction. It can form a critical component of an addiction treatment plan, as doctors use prescription drugs to help ease symptoms, treat mental health concerns, and reduce drug cravings.

Accessing MAT through Community Health Options insurance is possible, and commonly used medications may be covered under some plans. Still, the amount of coverage can vary, and patients may need to seek preauthorization from a doctor to prove that MAT is necessary for their recovery.

Behavioral therapy and counseling help patients set goals, identify triggers, develop coping skills, manage emotions and stress, and build or repair relationships that support recovery. There are a number of therapy options endorsed by the NIAAA as particularly suitable for addiction treatment.

• Cognitive-behavioral therapy (CBT)
• Motivational enhancement therapy
• Acceptance- and mindfulness-based interventions
• Contingency management approaches
• Couples and family counseling
• Twelve-step facilitation therapy

Community Health Options members have access to a wide range of in-network providers who can provide these and other types of care.

Addiction recovery is a lifelong struggle. Many patients need consistent aftercare and support to help them manage ongoing issues and prevent or manage relapses. The amount of support and care required may vary depending on personal factors like exposure to stress and other triggers.

Seeking rehab aftercare through Community Health Options helps patients maintain their commitment to recovery. Talk to member services to better understand low-cost, long-term support options.

Community Health Options prides itself on providing top-quality physical and mental health care for its members, including access to substance use disorder treatment and drug rehab. However, when seeking addiction treatment, several factors can impact your Community Health Options rehab coverage.

Community Health Options is a single-state insurer that serves residents of Maine. They provide access to over 48,000 providers across New England and offer plans for individuals and businesses, which may include coverage for members who travel or temporarily reside outside Maine.

However, standard individual and family plans are designed for Maine residents and provide limited accessibility for treatment elsewhere.

Your Community Health Options rehab costs may also vary based on the type of plan and level of benefits you are eligible for. Community Health Options provides members with a wide range of plans to fit an equally wide range of budgets.

Many plans require members to meet a deductible, impacting copays and coinsurance. Plans with a lower monthly payment generally cover less and leave members with higher out-of-pocket costs. Some plans may require you to seek a referral or pre-authorization for rehab services.

Insurers are required to maintain provider networks that meet federal standards for accessibility. These providers are considered in-network for members, meaning they accept your chosen plan and provide additional benefits to policyholders.

Choosing an in-network rehab through Community Health Options can help lower out-of-pocket costs and give you access to a broader range of benefits.

As with all policies, Community Health Options health insurance plans have policy limitations. One of the most common limitations members must navigate is choosing which provider or facility to use.

Some facilities are considered in-network, while others are considered out-of-network. In-network rehab facilities generally provide Community Health Options members with lower costs and more coverage. However, members may still have some access to limited coverage through Community Health Options for out-of-network rehab.

The amount of assistance you can access for out-of-network addiction treatment for Community Health Options varies based on plan and the type of treatment you need. If your preferred rehab facility is out of network, first speak to member services to better understand available coverage.

Next, you can speak directly to the facility and its billing department to better understand potential out-of-pocket costs.

Community Health Options offers Maine residents and employers a variety of high-quality insurance plans, including:

• Employer-sponsored health plans: Community Health Options provides business owners with a wide range of plans to keep employees healthy and happy, regardless of company size. Employer-sponsored Community Health Options plans offer addiction treatment, although the amount of coverage varies.
• Individual and family health plans: Individuals and families can access coverage through Community Health Options through the Healthcare Marketplace or independently. Plan levels range from catastrophic coverage to platinum level plans. Community Health Options individual plans offer varying rehab services depending on the plan.

Community Health Options does not offer short-term coverage. However, those who have experienced a significant life change and need to get or alter their insurance coverage may qualify for Special Enrollment.

Community Health Options does not restrict addiction treatment based on substance type and provides access to supportive therapy for a wide range of addictive substances. Substance use disorders covered by Community Health Options include:

• Alcohol addiction
• Opioid addiction (heroin, prescription painkillers)
• Cocaine and stimulant addiction
• Benzodiazepine addiction
• Marijuana addiction
• Prescription drug abuse

However, while Community Health Options provides access to treatment for a wide range of substances, not all facilities are equally able to cope with all addiction types. Patients should always seek facilities and providers that specialize in treating their particular kind of addiction.

For example, Community Health Options members seeking opioid treatment or alcohol rehab may wish to seek out facilities that provide MAT treatment options. When you are ready to seek help, speak to your doctor and member services, or contact RehabNet’s free helpline for assistance locating the right provider and facility for your treatment needs.

Finding rehab centers that accept Community Health Options insurance is easy. Members can access simple search tools through the website that filter options based on critical factors like distance, services, specialties, and even language support.

Once you’ve found an in-network addiction treatment through Community Health Options, be sure to call the rehab center to confirm your coverage and the exact out-of-pocket cost of treatment. Taking this additional step helps protect you from unexpected expenses, allowing for better financial planning and less stress.

Third-party search tools like RehabNet can also help individuals find in-network addiction treatment quickly and easily. Call our help line or fill out the contact form on our website for free, confidential assistance.

If you or someone you love is seeking treatment for substance use disorder, finding treatment is critical for recovery. Accessible, cost-effective treatment covered by insurance can make all the difference for those pursuing recovery and their families.

Don’t wait to get help. Addiction treatment takes time, effort, and the support of experts and your community. Finding the type of care that works for you, at a price you can afford, is a critical first step in the recovery journey.

Seeking help may initially feel frightening, but finding the best rehab care with Community Health Options insurance doesn’t have to be complicated or scary. Help is available. Simply call the RehabNet.com helpline to connect with an addiction treatment expert who can help you understand your insurance policy and coverage and find the right treatment program, fast.